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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,393 | $59,456-60.7% | $93,669-75.0% | $74,429-68.6% |
| Participation rate | 64.0% | 59.6%+4.3pp | 68.7%-4.7pp | 67.2%-3.2pp |
| Annual return | 13.04% | 82.00%-69.0pp | 133.59%-120.6pp | 1368.38%-1355.3pp |
| Employer contribution / active EE | $398 | $1,266-68.5% | $2,424-83.6% | $2,625-84.8% |
| Participant deferral / active EE | $1,262 | $3,052-58.6% | $4,416-71.4% | $4,348-71.0% |
| Admin fee / account holder | $2,880 | $3,026-4.8% | $8,291-65.3% | $1,944+48.1% |